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Brett, I understand what you're saying, but for me at least when it came to insurance in cairns the price difference was over $6k a year compared to the next insurer who covered less than what RACQ does after reading the PDS. So when we're taking that figure of money it certainly does come in to play.
I was going to go with EBM because that was the cheapest maybe I shouldn't now after your advice
The concern I have with this thread is that all anyone talks about is finding the cheapest. When will people ever learn?
It's "value" you need, not "cheap". Find the policy that offers the best value for your money covering the risks that you want to be insured against, also keeping in mind the company that you are dealing with in relation to claims and ongoing service.
If a similar thread was posted on a motoring site, would everyone simply buy the "cheapest" car they can find? Of course not, they will find the best value for the features they want.
The biggest thing to remember about insurance is "NOT ALL INSURANCE IS THE SAME".
Online or over the phone usually works out to be the same price. Occasionally they will offer you a discount if you sign up online.
Are you after LL insurance or just B&C?
I have researched insurance in the region quite a bit. I use Suncorp for building insurance. Terry Sheer is popular for Landlord's insurance. Insurance costs vary depending on post code, flood risk/cover, security etc.
I have found that you can go online and adjust the various excesses etc to get an idea, then phone them up for a personal quote. If they put the price higher, you refer them to the online quote. Often they will offer you less in an attempt to get you to sign up there and then.
cheers
Jennifer